Deposits Existing at Assuming Bank:
I already have other deposit accounts with the new bank. When combined with the balances at this
bank, my deposits exceed $100,000. Are all of my funds at both banks insured?

If you have more than $100,000 in your account (or $250,000 in your IRA), or if the total of your related accounts exceeds $100,000, your accounts may require review by an FDIC Claim Agent. All accounts that appear to be related are reviewed to determine ownership and insurance coverage. Certain entitlements and different types of accounts can be insured in excess of the $100,000. If you think you might have uninsured deposits, you should call the FDIC at 1-866-806-6128 to arrange for a telephone interview with a Claim Agent.

Principal and interest on insured accounts, through March 7, 2008, are fully protected by the FDIC, to at least $100,000. Certain entitlements and different types of accounts can be insured in excess of the $100,000.

If you have more than $100,000 in your account (or $250,000 in your IRA), or if the total of your related accounts exceeds $100,000, your accounts may require review by an FDIC Claim Agent. All accounts that appear to be related are reviewed to determine ownership and insurance coverage. Certain entitlements and different types of accounts can be insured in excess of the $100,000. If you think you might have uninsured deposits, you should call the FDIC at 1-866-806-6128 to arrange for a telephone interview with a Claim Agent.

If it is determined that you have some uninsured funds, the FDIC will mail you a Receiver Certificate. This certificate entitles you to share proportionately in any funds recovered through the sale of the assets of Hume Bank. You may eventually recover some of your uninsured funds. Of course, you will receive full payment for your insured amount.

When a financial institution is closed, and the Federal Deposit Insurance Corporation ("FDIC") is appointed as receiver, one of FDIC's responsibilities is to sell the institution's assets to pay the depositors and its creditors. If there is any excess cash generated by the disposition of these assets less disposition cost and reserves met (cash it must hold to meet the obligations of the receivership), then a dividend will be declared and distributed to the proven claimants.

As of Friday, March 7, 2008, Hume Bank, Hume, MO was closed by the Missouri
Division of Finance, and the Federal Deposit Insurance Corporation (FDIC)
was appointed Receiver. According to regulatory policy, there is no advance
notice given to the public. Please see the Missouri Division of Finance
press release for more information. The good news is that no one lost any
insured deposit money as a result of the closure
of Hume Bank. To protect depositors, the FDIC Board of Directors approved
the assumption of Hume Bankís insured deposits by Security Bank, Rich Hill,
MO.

All insured deposits have been transferred to Security Bank. If you held an account at Hume Bank, you now have an account at Security Bank. The former Hume Bank location will reopen Monday as a branch of Security Bank. Please note that the drive-up will not reopen until Monday morning; however, you will have continued access to your money through your ATM/Debit card. The ATM machine may be unavailable for a short period of time on Friday to obtain closing numbers; however, it will be operational shortly after that is accomplished. You will be notified of any changes to your account, including any new signature cards or forms, by Security Bank.

A deposit insurance payment of your account(s) up to the insured limit has
already been transferred to Security Bank, and your account
will be handled as usual. Please be advised that if there is no activity
in your account in
the next 18 months, that money could be returned to the FDIC and eventually
escheated to your state.

You will be able to continue using your personal checks at this time, and your ATM/Debit card will continue to work. The ATM machine may be unavailable for a short period of time on Friday to obtain closing numbers; however, it will be operational shortly after that is accomplished. You will receive a mailed notice from Security Bank in the next week regarding your transferred accounts. You may receive new checks and new account numbers in the future, and the assuming bank will notify you of changes in the future.

Interest checks and cashier's checks will continue to clear up to the insurance
limit. Outstanding cashier's checks and interest checks are eligible for
deposit insurance coverage and will be added back to any other of your
account balances
with the same ownership capacities to determine your insurance coverage.
If a portion of an interest check or cashier's check exceeds the insurance
limits,
a stop payment order may have been issued on that check. If you believe
that a check in your possession exceeds the deposit insurance limits, you
can call
1-866-806-6128 to schedule an appointment
to speak to an FDIC Claim Agent.

All deposit account histories and records are in the process of being passed
to Security Bank. Please contact a representative of Security
Bank Customer Service at 1-660-643-7612 to obtain a copy of any records
you may need.

You should continue to make your payments according to the terms of your note. The terms of your loan will not change under the terms of the loan contract because they are contractually agreed to in your promissory note with the failed institution. Checks should be sent to the same address until further notice. You will be notified by mail of any changes.

The FDIC offers an online reference guide to deposit brokers acting as agents for their investor clientele. This site outlines the FDICís policies and procedures that must be followed by deposit brokers when filing for pass-through insurance coverage on custodial accounts in a failed FDIC-insured institution.

Security Bank will be responsible for mailing your 1099 tax information.
Your 1098 reporting will be done by the FDIC or the servicer of your loan.
You will be notified of any changes in ownership or servicing of your loan.

A copy of this document or the press release PR-21-2008 can
be provided as it states deposits have been transferred, and it is business
as usual. Copies of this press release will be available at the bank.
Depositors or merchants call also call 1-866-806-6128.

You may withdraw your funds from any transferred account without an early
withdrawal penalty until you enter into a new deposit agreement with Security
Bank, provided the deposits are not pledged as collateral for loans.

The most common reason for a hold is due to the need for additional documentation from a depositor. For example, a Declaration for Trust form may be required to attest to the parties involved in the trust. These forms can be mailed to you, or you can access them online under Forms, Deposit Claims and Asset Sales. There will also be a supply available at the bank. If there is a hold, you should schedule a telephone appointment with an FDIC Claim Agent to ensure completion of the proper form.